Refer Rules
R_251
CCR RHI 30 plus day arrears detected
When a self-employed applicant triggers an RHI or FHI rule, this document is strictly required regardless of income trend.
Business Activity Statements (BAS)
Who is the group head of Banking & Financial Services?
Greg Ward
What must a CA do in order to waive an incorrectly generated tier 2 refer reason?
Apply ECR
Since June 2026, CAs were no longer required to check this system for lease enquiries.
iPortal
R_225
Minimum servicing surplus requirement not met, savings position to be reviewed
This is the minimum ownership requirement for all applicants on any security property in the loan application.
20%
Who is the Head of Retail Credit Services?
Stephen Cottell
What are the 3 types of applications ring fenced to the Complex Credit team?
PIAs, Construction & Variations
What is the shortcut to access items copied to your clipboard?
Windows + V
R_145
Age of file
Name 3 types of unacceptable income
Income from boarder
Worker's compensation payments
Unemployment/sickness benefits
Old age pensions, carer pensions, parenting payment
Social security payments
Insurance payouts
Other cash income not inlcuded in the applicant's tax return
Whose team was Neha in before she became team leader?
John
(Starting balance- Closing balance + credits)/ Number of months
What is the shortcut to send a zoom invite over slack?
/zoom
R_269
Primary and secondary education costs are low
Under the CDR framework, these two items can never be apportioned even in the sole applicant calculator.
Dependants & Investment property expenses
Name all TL streams
Development
Solutions
Workflow
Performance
What is the maximum loan amount a DLA 3 holder can approve when LVR between 80%-90%?
$1,500,000
R_235
DTI ratio and Facility LVR exceed acceptable level
What are the 5 red flags to look out for when an R_401 (Refinance without CCR history) triggers on an application?
1. CCR RHI data unavailable for all facilities
2. RHI/FHI rule triggered
3. MRG D
4. Interest rate on new facility higher than exisiting facility being refinanced
5. Interest rate > 10% on home loan facility being refinanced
Name all team leaders in Sydney and Perth
Jeff
Shirley
Liam
Zana
David
Ryan
Barry
Kat
Laurie
Sophie
What is the override code when the genuine savings requirement is not met.
[O7] DLA 6 & Above